10/25/2025
Betties, we know that taking charge of your healthcare can feel like navigating a maze, especially when
it comes to understanding your insurance.
One place to start: identifying your plan. You can usually find this by looking for a 3-letter acronym on your insurance card. We’ve got the lowdown on what these codes mean.
Preferred Provider Plan (PPO): PPO plans are all about freedom! You can choose your doctors and hospitals, both in-network
and out-of-network. But remember, it’s usually more cost-effective to stick with in-network
providers.
Health Maintenance Organization (HMO): With HMO plans, you choose a primary care physician (P*P) to head up your care. They’ll be the ones to hook you up with referrals to specialists within the network for all of your needs.
Exclusive Provider Organization (EPO): Think of EPOs like the cousins of PPOs, but they’re all about in-network care, except for
emergencies, of course!
Point Of Service (POS): POS plans are hybrids of HMO + PPO. You’ve got a go-to P*P, but you can still see out-of-network providers, with a little extra cost.
It’s important to note that every Betty’s plan is unique, even if they share the same insurance
company. For example, two Betties might both be covered by BCBS, but they still have separate
contracts that might come with completely different coverages.
This is why we always recommend checking your specific health plan before booking!
